If you have a budget of around 150,000 and want to own a sporty sedan. In the case of a tight budget, the editor feels that the new Civic may be a good choice, after all, "buy an engine to send a car" is not a white call, the quality control of the whole vehicle is still relatively guaranteed. So today's Xiaobian will take the Civic 2022 240TURBO CVT Burning Edition (149,900 yuan) as an example, to give you a careful calculation of the account, to see how much it costs to raise a so-called "civilian god car" Civic?
1. Fuel costs
The comprehensive fuel consumption of this model neDC per 100 kilometers is 5.9L, but this is only the ideal state, and everyone knows that this fuel consumption is basically unattainable. After a period of actual measurement, and then combined with the opinions of most of the certified car owners, the actual fuel consumption of the whole vehicle is about 8L, and here Xiaobian will first calculate it based on 8L/100km. This car is added to the 92 gasoline, the current small editor of the location of the oil price of 7.14 yuan / L, if according to the daily driving mileage of 40km to calculate, that year is 14600km, that year's fuel cost is about 8340 yuan, the average monthly fuel expenditure is 695 yuan.
Second, maintenance costs
First of all, civic maintenance for the first time is free, the manufacturer gives away oil and oil filter cartridges, and exempts the working hour fee. The maintenance interval of the vehicle is 5000km, the oil filter is replaced every 20000km, the air filter is replaced every 20000km, and the brake oil and transmission oil are replaced every 60000km. The cost of small maintenance (5000km) is about 525 yuan, and the cost of large maintenance (20000km) is about 1672 yuan. Therefore, on the whole, the total maintenance cost of the front 60,000km of the car is about 6722 yuan, and the average maintenance cost of 20000km is about 2241 yuan. Although the above calculation is 40km per day, but it is inevitable to drive or drive back to the hometown in a year, so the mileage of a year is more appropriate to calculate 20000km, the maintenance cost of that year is 2241 yuan, and the average monthly maintenance cost is about 187 yuan.
3. Insurance costs
In addition to the fuel fee, buying car insurance is also an important must.. Although the Civic is not a luxury car, for the sake of safety, Xiaobian still recommends that it is more appropriate to buy a better insurance. Insurance costs vary according to regions and car prices, taking Xiamen as an example, Xiaobian recommends purchase: compulsory traffic insurance + third party two million + car damage insurance + no deductible special insurance + theft insurance, a total of five types of insurance, a year of insurance costs of about 6400 yuan, the average month is 533 yuan.
4. Miscellaneous expenses
After a year, there are still some miscellaneous expenses that are certainly indispensable. Among them, high-speed fees, car wash fees, parking fees, and illegal fees are all expenses. A year's high-speed cost is calculated according to 500 yuan, an average of 42 yuan a month; washing the car twice a week, the car wash fee is 30 yuan once, and the month is 60 yuan; if you don't buy a parking space, if you rent it every month, the average monthly rent of the xiaobian is about 300 yuan. As for the illegal cost, although everyone's driving habits are different, here Xiaobian still reserves 400 cost space, after all, even the old driver will inevitably have a time to be careless. The average monthly fee for all miscellaneous items is: 42 + 60 + 300 + 400 = 802 yuan.
If the car does not scratch, all the above expenses add up to: fuel cost 695 yuan + maintenance cost 187 yuan + insurance cost 533 yuan + miscellaneous fee 802 yuan = 2217 yuan.
Although most of the people who buy Civic are young audiences, most of them are mainly loans to buy cars, but it is not excluded that there are friends who buy cars in full, so Xiaobian will separately say the cost of the following two situations:
1. If it is a full purchase of a car, plus purchase tax, license fees and other expenses, the landing is about 170,000 yuan, that is to say, spending 170,000 yuan can drive the car away, and the follow-up only needs to bear the monthly car maintenance cost of 2217 yuan, if you don't look at the car price, the average monthly car cost of 2217 yuan is really not high, and the monthly salary of 5000 can also be affordable.
2. If it is a loan to buy a car, the down payment is calculated by 30%, the loan is calculated by two years of loan, plus the loan handling fee is about 2000 yuan, in addition to the down payment, the repayment amount of each month is about 4372 yuan, that plus the average monthly car maintenance fee, the monthly vehicle expenditure will be 6589 yuan, the cost is not a rub on the up. Of course, you can also choose a down payment of 50%, three-year loan method, the down payment needs to pay about 75950 yuan, which will be much higher than the down payment of the previous set of programs, but the monthly payment is only about 3165 yuan, plus the average monthly car maintenance cost, the monthly vehicle expenditure is 538 yuan. Relatively speaking, this package will be more suitable for younger audiences.
If you don't look at car loans, it is still relatively easy to raise a Civic, which is a car closer to reality for young friends. Do you think the cost of this car is in line with your expectations?
Edit = Jian Linlin
Producer = Lin Jing